davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  # 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I opened an account with CashApp in XXXX and used it for XXXX payments, receiving direct deposits, accumulating personal savings and the purchase of virtual currency. Over XXXX years I became a loyal user and accumulated a material amount in my account. 

In XX/XX/XXXX CashApp suddenly closed my account without any explanation. I appealed this by phone and they agreed it was erroneous and reopened my account and it was back to normal again for the next few years. 

In XX/XX/XXXX CashApp suddenly closed my account again with no explanation except that I had " violated the ToS '' but were unable to provide any specific details. I spent quite some time on the phone appealing and escalating this but to no avail. 

Since I was forced to close my account I put an order in to sell all of my bitcoin and CashApp took a commission of {$2500.00} for this service. 

I had some issues transferring out my cash balance to my personal chase checking account ending in XXXX which has been linked to this account since the beginning. I called CashApp support on the afternoon of Tuesday XX/XX/XXXX to discuss this inability to access my funds and asked for a case to be opened. I was told by the representative ( on a recorded line ) not to worry about cashing out my funds because the limit is {$25000.00} *per day. * It turns out the limit is $ XXXX per week and I was misinformed. 

I called back on Friday XX/XX/XXXX and spoke with a supervisor named XXXX who did not want to provide a last name or badge number but said that I had in fact been misinformed about the daily versus weekly transfer limit but there was nothing he could do to transfer me my money in a more expeditious manner. He did assign me a case number XXXX and agreed to escalate my case further to his XXXX XXXX who can only communicate via email. I told XXXX that my next recourse was to file a complaint with the CFPB and he agreed that was the best next step -- -- - " I would do the same thing ( in your position ). '' XXXX the XXXX  emailed me later that day but was unable to provide a satisfactory solution ( see attached ). 

At this point I do not think it's equitable to have to wait XXXX weeks to transfer out my cash while CashApp holds my balance interest free.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (FL)

In the middle of purchasing a house and mortgage lender can not pull Equifax report - even though XXXX  and XXXX  are fine. I do NOT have any type of freeze on account. I was directed to create an account on Equifax and look in " manage freeze ''. No freeze ( which I knew ). Was told to freeze and then unfreeze account hoping to fix whatever glitch appears. Lender still can not pull my credit report from Equifax and Equifax was no help.
Consumer complaint received 2020-05-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

on or about XX/XX/XXXX. 2020 there was an agreement with XXXX  XXXX  XXXX XXXX # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie experian report that there reivesigation was compeled .you find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for to paying tax on that cancelled. XXXX  XXXX  XXXX  can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail experian credit report agencie and all the credit agence of the agreement with a copy of check as evidence .XXXX  cash the check. and the debt was cancel and that was for XXXX  to remove or erase, from the credit flie because no long Liable. for the debt any more.. then experian needed to remove it from the report.
Consumer complaint received 2023-02-22
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)

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 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/31 I was robbed at a Citibank location, two men took my debit card within 2 minutes went over to the teller and was allowed to withdraw {$1900.00} from my account. I did not notice until XXXX and went to the bank on XXXX, after the holiday to report. I filed a complaint with the fraud department, I filed a police report and an investigation commenced, Citibank denied my claim stating that I allowed the transaction when the police department have video of the robbery and has started an investigation which the case is now with the XXXX XXXX XXXX XXXX of the XXXX XXXX, XXXX NY. 
I submitted an appeal to Citibank with a copy of the police report and affidavit which they provided for my signature and was denied for the second time. The fraud department have been super rude and have not given me any information. 

I am an elderly person of XXXX XXXX XXXX and was targetted in a brank of Citibank and robbed of my money which I need to pay my bills and I believe that money should have been returned to me under the banking laws.
Consumer complaint received 2023-02-22
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)

1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.
Consumer complaint received 2023-02-22
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 (MS)

I got a notification that my credit score had dropped significantly. I pulled my credit and noticed 2 credit cards that did not belong to me. I filed a dispute with my credit bureaus, and they determined that the credit items belong to me. I have had an amazing credit score all of my life, and these 2 items from Bank of America and XXXX XXXX ARE NOT MINE!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data standards. Delete this account from my reprt
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data standards. Delete this account from my reprt
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX demanding Equifax to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MO)

I paid this debt 's judgment on XX/XX/22. They continued to garnish my wages and I had to wait over 30 days to receive the credit back of 4 payments. In addition, I was never sent a satisfaction of judgement. The representative tells me I can " pull '' it from the court site. I can not as I do not have a XXXX number in order to login to said court site. She sends me a screenshot where SHE can download the linked report - that is not available on my side. I repeatedly asked for a satisfaction of judgment to be sent to me, and it is now two solid months after I paid this debt. The inaction of the attorney to send me a copy of this judgment is holding up the title search of the sale of some property.
Consumer complaint received 2023-02-22
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: CAVALRY INVESTMENTS, LLC (PA)

Cavalry Portfolio, a debt buyer, is reporting two items to my credit bureau, lowering my score. The original creditor, who I had history with and on time payments at one point, sold my account. Cavalry then placed this on my credit as a chargeoff, as if I never had any positive payment history. This is false and misleading. They did this for one reason, to get paid! This is infair and unjust! I have worked out an agreement, but this should be removed immediatley. to use my credit bureau against me, like a weapon should be illegal and moving forward prohibited.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 
CrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrge off Credit coll charge off XXXX CHARGE OFF XXXX XXXX XXXX XXXX  HARD INQUIRIE MERCHANTS CHARGE OFF Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of identity theft. I recently learned that my personal information was used to apply for an account at your company. I did not authorize these inquires. Take appropriate steps to remove information about this account from my credit files. I ask that you all remove these fraudulent inquires. I have contacted XXXX  and they said that inquires are factual record but my Identity was stolen and they have not sent me proof neither did these companies that pulled my credit, same goes for TransUnion. If this isn't fix i will have no other option but to take companies involved to small claims court. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX  XXXX  XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been a customer with Capital One since XXXX with the account ending in XXXX. I informed Capital One of my XXXX XXXX situation and requested payment options. They advised me they could offer no further payment assistance and as long as I made my payment by end of the day on XX/XX/XXXX, I would not be past due or have any type of late fee. I made a payment around XXXX XXXX on XX/XX/XXXX and Capital One did not post it until XX/XX/XXXX and then proceeded to charge me a {$29.00} late fee on the account. After speaking with XXXX supervisors, they all declined to waive the charge stating they weren't able to. The charge shows on my account as authorized on XX/XX/XXXX. This is a very customer unfriendly policy. As a long time customer who is traditionally on time ( early ) payments, Capital One failed me when I needed assistance by not waiving the fee and not clearly setting expectations when I spoke to them about the situation in advance.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted XXXX XXXX on XX/XX/2023 to inquire about interest in the amount of {$14.00} appearing on my account. In addition to, a promotional interest rate. I knew my balance wasnt paid off in XXXX but I paid off in XXXX. With that being said how do I still have interest charges if the balance is paid in full. Also, my credit score is above XXXX why is my interest so high on this card.
Consumer complaint received 2023-02-14
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. (SC)

This is my NUMEROUS 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.