davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (GA)

I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

There is XXXX transactions from XX/XX/22 pending on my credit card. XXXX for {$25.00} and XXXX XXXX for {$14.00} and {$7.00}. I contacted Apple about this and spent more than XXXX hours chatting with them ( I have a case XXXX ). And I also had a call with a XXXX that called at XXXX pm on XX/XX/22. Their end shows these transactions were cleared and I received my daily cash. She told me to chat back in saying I did not receive my apple cash because there was nothing else she could do for me. I did not receive my daily cash. I chatted back in and they said it says posted on their in and there is nothing they can do. I sent screenshots of my pending transaction and pending daily cash to Apple. They said there end reflects it has posted. Apple had me go through the steps of removing my card and re-adding to my wallet. A new issue popped up after this. Once I did the removal and re-adding, my XXXX spending changed. I took screenshots of my XXXX spending so I can show the changes. I talked to XXXX, XXXX, XXXX, and about XXXX other people. They kept transferring me and restarting my claim. I am wanting to figure out why the charges and payments are not adding up. No one is willing to look into this other than to tell me their end says something different.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to file a complaint against the collector Capital One Bank USA for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Capital One Bank USA to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've disputed this XX/XX/XXXX account on several occasions with XX/XX/XXXX through XX/XX/XXXX. this account is inaccurate it's reported as open on XX/XX/XXXX but closed on XX/XX/XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/ on XX/XX/XXXX and reported opened XX/XX/ on XX/XX/XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XX/XX/XXXXaccount that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on Experian XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and 12 late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over 12 late payment and a past due balance of {$470.00} as well as XX/XX/XXXX with a late payment which I've never made late
Consumer complaint received 2022-04-07
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. (IN)

On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Shellpoint Partners, LLC (FL)

To whom it may concern, I'm trying to find {>= $1,000,000}, that I sent to my Mortgage company Ditech. That the NO Stress Claims got me from my Insurance company, I sign the the check and send it back to them But I don't get it back. Sitting here looking at it NO Stress Claims got the wrong Mortgage company on it. I'm sending you a copy of the paper I sent to Ditech for them to send it to me in my name not my Deceased husband name, I am praying that you can please help me and my family so we can get some help with our house because I don't get it back from Ditech are Green tree are NO Stress Claims, I have been more States Since we Got involved with this company Please help us find the money
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$850.00}
Consumer complaint received 2022-10-12
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)

I had reached out to XXXX, XXXX, and Equifax about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, XXXX, and Equifax updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-21
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. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
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)

I recently submitted a request for an investigation of the disputed account several times, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file listed below. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (SC)

This account was opened XX/XX/2016 in the amount of {$3600.00} that I have absolutely no knowledge of and NEVER received a credit card or limit or mail for this account. And it has been closed out.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Company billed me with autopay ACH and auto pay was disabled in the account. The company citizens pay of citizens bank also reported an incorrect amout owed to the credit bureau. There representative lied and said that the derogatory entrys would be removed after payment. Now the company cant seem to find this conversation. This was a line of credit for products sold at wayfair.com
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

I have been harassed by national credit systems in the following ways : -would not stop calling even after repeated requests. 
-would not furnish documentation regarding alleged debt. 
-they play games on the phone and avoid any questions and abruptly hang up when I question the validity of the debt. 
-they manipulate the dates reported to the credit bureaus whenever I make a dispute as a way to keep the alleged debt on my credit report. They leverage themselves by negatively reporting false information as a means of power over me. I HAVE RECORD OF THEM CHANGING DATES AND MANIPULATING THE SYSTEM. 

This is causing major financial stress as well as emotional stress.
Consumer complaint received 2022-09-21
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-04-27
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. (NY)

I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification. Equifax contacted me and stated that they don't have my profile. I have attached the FTC report and my ID. Please remove the fraudulent inquiries ASPAP.
Consumer complaint received 2022-07-28
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)

Disputes we're sent to Equifax in accordance with 15 USC 1681i. Equifax has certified per received responses ( Pages 1-8 ) that the bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Equifax has violated Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.
Consumer complaint received 2023-05-18
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

XXXX DEMAND LETTER FOR PAYMENT From XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Cashapp XXXX XXXX XXXXXXXX Dear Cashapp, I, XXXX XXXX XXXX am writing this letter as my final notice for payment. If there is no response to this letter by XXXX XXXX. All legal rights and proceedings shall be explored. Including but not limited to legal proceedings necessary in accordance with state and federal laws. 

This notice of demand serves as official notice to you and may be tendered in court. As evidence of your failure to cooperate. If legal action is to occur to resolve this legal matter. It may involve having you pay attorneys fees. 

I am owed {$1300.00}. On XXXX XXXX i received a payment to payment from cash tag XXXX XXXX in the amount of XXXX. I realized this was an error and immediately sent the money back to the cashapp user. On XXXX XXXX cashapp debited my bank account for the same amount of money that was already returned immediately to the user. Stating that user XXXX XXXXXXXX filed a dispute with her bank. And therefore Cashapp is entitled to collect the funds. 

Cashapp has asked me to recover the funds from the cashapp user, but her account XXXX XXXXXXXX can not be accessed. XXXX XXXXXXXX has called Cashapp multiple times to regain access to her account to return the money to me. But nobody has helped her to regain access to her account. 

The point of the matter is that cashapp illegally debited this money from my bank account. cashapp has failed to communicate with XXXX XXXX bank and advise them through the investigation that the money was already returned immediately to the user. Even though a dispute was filed. Cashapp does not reserve the right to collect on funds twice. I have suffered irreparable harm from this ordeal and I am willing to pursue all legal options. 

I have attached all evidence. 


We hope to resolve this matter as soon as possible.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I applied for a credit card in order to access the presale for XXXX XXXX concert tickets. Upon completing I wasnt given a virtual card # and can not access one before 3-4 business days, which is AFTER the presale date. This is false advertising - and now I cant access the tickets, they cant hold any for me and they offered me nothing other than to file a complaint Internally.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me an email about a week ago saying that the were going to link my cards, credit and debit, to a digital pay company called XXXX. I was not interested so I tried to stop it through the link in the email. There was no way to do this even though the email said that it could be done. So I called the number on on back of the card and spoke to an agent who said he would stop the linking to XXXX. I also asked why I had to contact BofA to not link, or opt out, he did not know. 
Today I got a new email saying my debit card was linked to XXXX. I again called BofA to opt-out. They did disconnect my card. 
My complaint is that in no way should I have to go through this. I did not ask for XXXX and should not have it forced down my neck. I should not have to opt-out, but should have been given the option to opt-in if I wanted the service. I have no idea what kind of personal or financial information XXXX has been given to BofA, but I don't want them having any of my information.
Consumer complaint received 2022-07-28
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: WELLS FARGO & COMPANY (FL)

Last year a charge was placed on my credit card without my knowing. Auto-payment had not been set up on this particular credit card because I was not regularly using it. I was only made aware of the charge several months after the fact, and immediately closed the account. However, Wells Fargo has marked the account as having a late payment, and is not willing to amend their records. I have tried reaching out to them several times and they have responded stating that they must report all late payments as part of federal compliance. I would like to explore other options, as I have never had issues with late payments on any other account, and it has impacted my credit score negatively.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.