davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

XXXX:1 purchased an airline ticket from XXXX and used my cash app account to make the purchase. I received an email stating that there has been an technical issue and I would receive a full refund in the amount of {$64.00}. I have not received an refund and proceed to contact cash app and dispute the transaction. I submitted evidence which showed the refund has successfully processed from the merchants end and they did approve it. Cash app denied my claim stating no error has been found.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 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 2020-05-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We obtained a second mortgage with SLS Specialized Loan Servicing when we purchased our home in XXXX. Two years later in XXXX property values started to decline and mortgage companies started to go out of business which lead to losing my job of 10 years. They were extremely difficult times for my family financially and emotionally. We started to fall behind with our bills and our mortgages. I was able to modify my first mortgage lender. I continue to fall deeply behind with our second mortgage with SLS. We tried to modify the second mortgage several times after we felled behind but SLS would not work with us and gave us the run around. Through the years I tried again to modify not knowing who can assist us. We did not receive phone calls from SLS for a few years. Not until a year ago or so when property values started to increase, we have aggressively been receiving letters requesting large amounts of money to bring the loan current, money that we do not have. We also received many letters stating different options SLS offer to help us with our situation. It was very confusing what the letters meant. We understand that it is a debt we still owe, so I reached out to SLS in XX/XX/XXXX and was connected to my contact Relationship Manager XXXX. I gave him my information and told him I was reaching out for assistance, in a I do not care manner he said Sorry its too late these words to date are heartbreaking. After that call we continue to receive letters, we were not sure if we should reach out to SLS again. Amid COVID-19 pandemic SLS filed A Notice of Default on XX/XX/XXXX. We were devasted not fully understanding what was going on. We want to stay in our home, my XXXX XXXX live with us and I take care of them full-time, there ages are XXXX and XXXX. Out of despair we went online and submitted a request for a loan modification. To my surprise we received an offer, we were shock because XXXX our Relationship Manger had told me back in XX/XX/XXXX that it was too late. The 3-month trial offer comes with the condition we give a down  payment of {$49000.00}. On XX/XX/XXXX I express to SLS that we do not have the down payment and to add the money we owe to the balance of the loan. XXXX has been very rude and has stated that we must have the down payment they have requested, if we do not provide the funds the house will be sold. We asked for XXXX manger and they both gave us the run around. My husband is XXXX years old and his hours have been decreased because of COVID-19, we can afford the trial payment, but we do not have the down payment. We are living in a time of uncertainties, it is worse times now then it was for our family in XXXX, lending institutes need to reach out and help homeowners.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX  inquires with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX, Transunion, AND XXXX have 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 2022-10-09
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX XXXX  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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.
Consumer complaint received 2020-05-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TD BANK/TARGET I cant say this more emphatically, I have never had a TD BANK/TARGET account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2022-11-21
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: CarMax, Inc. (CA)

MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS 10 TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT CARMAX AUTO FINANCE MISS HANDLED INVESTGATION OF ACCOUNT XXXXXXXX XXXX MY ACCOUNTS WERE compromise XXXX XXXX  cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 SECTION 2 : IT ALSO STATES 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.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hello So my problem is that my credit score was reported down by transunion by XXXX points when it last got updated on the XXXX XXXX even though I paid for my credit card before the payment was even due so like 5days before the actual due date. I am very disappointed and dissatisfied of this service as it is literally affecting my credit history when its not even my fault. I need my points back as I am not facing something bad when I am true from my end. I hope this matter is looked up and I get my score back up again.
Consumer complaint received 2021-08-29
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. (CA)

I contacted TransUnion in XXXX and XXXX regarding XXXX XXXX. I advised TransUnion that I have never obtained credit with XXXX XXXX. I asked TransUnion to send documentation showing me entering into a contract with XXXX XXXX. I also advised TransUnion that they are reporting XXXX XXXX as open, with an open date of XX/XX/XXXX. And they are also reporting a date of last activity of XX/XX/XXXX. I asked TransUnion how can they list this account with an opened date of XX/XX/XXXX and a last activity date of XX/XX/XXXX with no payment history? If opened in XX/XX/XXXX and last activity of XX/XX/XXXX then there has to be a record of payment, past due or late payment. Twice I asked TransUnion, the last response I received was with Trans Union changing all the dates to benefit Trans Union not reporting inaccurate information. Trans Union can not just change dates on my credit file to benefit them when they are reporting something in accurate. I have not received any documentation from Trans Union to support this change or even that this is my account.
Consumer complaint received 2021-06-23
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)

To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports. 
( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX   XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

On my credit report, XX/XX/XXXX a account was open in my name for the amount of {$340.00}, I call the crediting company and collection and they said they have no account on theyre system, The same for a account with XXXX  XXXX  XXXX XXXX, Two Accounts were opened, I have no Knowledge of and nether does the creditors or  collections have anything on their systems on XX/XX/XXXX the accounts were opened for the amount of {$720.00} and {$800.00} ( I was XXXX  on that date )
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc. (CA)

The issuer of the visa credit / debit card is Coinbase Inc. ( which is tied to the XXXX Coinbase exchange ). 

Coinbase card acts as a debit card so you essentially need to pre pay the card by funding your Coinbase card account. 

I was heavily using my account because Coinbase offers crypto as a reward for using the card. A couple of months ago, I was informed by Coinbase that my card was deactivated because I violated the terms of service. I contacted Coinbase and after several days they reinstated the account but did not explain to me what triggered the deactivation. 

A few days ago - they did the same thing. They claimed that a charge I made on XX/XX/2022 for a bill from a XXXX law firm violated their terms- but again did not state what term I violated. 

I have called customer service several times and submitted several emails asking what term did the charge violate. Each time they only responded that I violated the terms of service with no explanation. Their customer service team is somewhere in XXXXXXXX XXXX XXXX XXXXXXXX and is very unhelpful. Prior to the above charge, I had made at least XXXX prior charges with the card with the same law firm. 

I suspect that because I was earning a lot in rewards from use of the card that they just made up an excuse to deactivate my card. Given the recent events in the crypto space, I would appreciate you investigating Coinbase and their card practices. If I violated their terms of service, they need to explain what I did. 

Thank you
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Paypal closed my account for no reason and they are holding the money that I made legally for no reason. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will reveal 0 chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I had numerous problems with Experian. IM going to list two. 
I paid a automobile loan off. The bank did not show the account was settled after 1 month, I filed a dispute with experian through their website. Showing proof it was paid off. A letter and invoice from the Bank that is was paid off. They still refused to mark it paid on my report. I disputed it again. again they refused to mark it paid off. Meanwhile. I applied for a another car loan. Since it showed I already had a loan. I was refused a auto loan from numerous banks. Causing me to take the only one that offered with a high interest rate. They have no way of calling or emailing anyone at Experian either. IF you try to call, your put on hold for hours then your they cut your call. My credit has issues in the past. I have not been late on one bill in the last 3 years.

MY second, I have 3 credit cards. ON Experian site, they lowered my score because my credit card balance went over 40 % of available credit. Fine, Since I pay my balance off every month. The next month I didnt charge anything. They lowered my score saying because I dont use available credit it hurts your score. The next month I charged less than 30 %. they again lowered my score saying I should stay under 8 % of available credit on my credit cards. So they do not have a set rule, or make them up as they go. 
I am also in the market for a mortgage. I feel they are purposely lowering my credit, causing me to pay a higher interest with the banks. I also paid of another loan. A different credit agency lowered my score, claiming I had to many open accounts. So I paid one off. Experian lowered my score because I paid off an account causing my others one to appear as new accounts. Do you see the problem with this? There is no help, no way to challenge this..
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/2022 I received documentation from CAVALRY SPV I , LLC claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. Cavalry SPV and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. Cavalry SPV not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at Cavalry SPV will not be tolerated especially when their claims can not be verified.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX of XXXX  XXXX completed an investigation for an account from XXXX XXXX. The account was closed due to fraud and was deleted off of my account. Before the investigation it was sold to Portfolio account services. I submitted the results from the investigation yet they ignored my email and proof. Its continually being reported to this day. Getting phone calls 7 days a week and addressing to several associates that it was fraud and was closed.