davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Hello so these payments were sent to the scammer and unfortunately he illegally claimed that he a real business and an auction access for cars where he was suppose to buy me a car. He also provided XXXX contracts for me to sign but it turned out they were fake. This scammer used fake business name and illegal contract to take my money. Here are details the payments were sent through cash app. My first payment sent was on XX/XX/year> for {$95.00}. My next payment was on XX/XX/XXXX for {$240.00}. Next is XX/XX/XXXX with two payments of {$180.00} {$120.00}. Next was XX/XX/XXXX for {$490.00}. XX/XX/XXXX for {$500.00}, {$1000.00} and {$140.00}. XX/XX/XXXX was {$2.00}. XX/XX/XXXX was {$1500.00}. XX/XX/XXXX was {$490.00} and {$180.00}. I also gave him {$13000.00} cash in person. I contacted the police in person and I do have the claim number and polices email. The police told me the best idea would be to take him to court which I will very soon. I provided all of this information and I provided text messages his license and signed documents by my local bank. My bank knew I got scammed so they shut down my cards and issued a fraud dispute against the scammer. As weeks went by, I called my bank up to get updates on it, they told me that unfortunately it was denied because my bank tried to get a hold of the scammers bank and cash app but they declined my banks request. One reason it could be declined is because the scammer emptied his account so that way my bank can not retrieve the funds. I did submit a fraud dispute on cash app about 4-5 days ago and it still shows pending as Im waiting for the response. On XX/XX/year>. I called my bank to receive a file proof so that way I can send it to the FTC. My bank also contacted their analysis to see if they can reopen my dispute and try one more time to contact their bank/cash app, so I am waiting on that. Right after I also called cash app and I told them what happened and as I was describing they started writing down notes and everything that happened into the system so that way when the bank or FTC contacts cash app they are ready to provide the information. Cash app told me that since Im the one calling they are not able to work with me, but they said if your bank or FTC contacts us ( cash app ) than they are willing to help me and all. Im super sorry for this long paragraph and it might be super confusing. But I am willing to provide as much information and proof of needed. I have the claim numbers from my bank and also proof from cash app. Thank you
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (SC)

I visited XXXX XXXX, located in XXXX, SC, XX/XX/XXXX for a health condition. I provided the hospital with my social security card ( credit card ) as well as my insurance information provided by XXXX XXXX XXXX XXXX. After leaving the hospital, I was then notified with phone calls, harassments and continuous bills in the mail from XXXX XXXX. After receiving several calls from a representative on behalf of paying a debt with XXXX XXXX, I then began receiving letters filled with threats and profane language in reference to collecting a debt. XXXX XXXXXXXX XXXX has been requesting payments from me and now I have a 3rd party company by the name of Receivables Management Corporation in XXXX XXXX SC harassing me about a bill owed to XXXX XXXX XXXX, which is fraud and illegal. Each letter received by RMC contains debts that does not reflect the amount due by XXXX XXXX. I did not have any engagements nor did I sign any contracts or paperwork with RMC for them to have my telephone number, address and access to my credit report. RMC threatened to have the debt placed on my credit report and as of XX/XX/XXXX, the debt is showing on my credit report and has caused my score to decrease tremendously. I have been violated a numerous amount of times according to the fair credit reporting act and these two companies will be held responsible for such inaccurate information, fraud and unfair practices.
Consumer complaint received 2020-12-03
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. (OH)

On XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all 3 credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-02
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is XXXX request under FCRA XXXX ( A ) ( XXXX ) ( XXXX ). 
Your office has never sent me the information I am requesting and you are in violation of FCRA XXXX, therefore this is a new request for the PROOF that supports your reporting to Experian a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

XXXX XXXX knows or should have known this account has been ILLEGALLY REAGED! 
According to todays Experian Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my Experian Credit report as XXXX XXXX XXXX XXXXXXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( ACDV ) in total disregard of FCRA and FDCPA laws. 

How can XXXX XXXX  report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA XXXX ( A ) ( XXXX ) ( XXXX ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
XXXX XXXX is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or XXXX. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and FCRA.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Resurgent Capital Services continues to contact me about a debt that I do not owe. According to their representatives, debt verification materials have been provided but I am questioning their legitimacy for several reasons including : a lack of personal identifying information on the documents, a listed address that I have never lived at, and an inability to produce an account holder 's agreement with my authorization or signature despite repeated requests. I have asked Resurgent Capital Services for additional substantiation repeatedly -- most recently as XX/XX/22 -- and in the words of a representative they, " do not have anything else on file. '' I am only being provided a topline account summary, which frankly, is meaningless because the debt in question does not belong to me and could be easily fabricated.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Receive a cordial greeting. 
The present is to report the first days of XX/XX/2019, I was a victim of fraud in my savings and check accounts that I have with 53 Bank. My accounts were emptied. more than {$20000.00}, stolen. 
Account information Name : XXXX XXXX by  XXXX Accounts summary, Numbers : XXXX XXXX XXXX ; XXXX XXXX XXXX, I am currently in XXXX To summarize the process : " On XX/XX/2019, I was sent a debit card to the address of my home that I have registered in my accounts. For the day today I have not received it. I don't know who took the card, and on XX/XX/XXXX they started to make withdrawals at ATMs, repeatedly for more than 15 days. I have a phone number associated with my account in the United States which is XXXX XXXX, in this I did not receive calls from any representative of the bank alerting the situation or asking for authorization to make the cash withdrawals from my account. 
I have an email associated with my accounts which is XXXX, in this I do not receive fraud alerts, notification of card activation, any notification that would alert me what was happening with my money. Only as of XX/XX/XXXX I begin to receive low balance notices in my accounts. It's that moment is that when I communicate with the bank. '' The number of cases are as follows : Savings Dispute : XXXX - Cheque Dispute : XXXX Therefore I do not recognize withdrawals or charges to my account, because I do not have a debit card, I do not request a card activation to anyone, do not speak to the representative of the bank authorizing withdrawals, in addition to never receiving alert by mail or phone to stop the fraud that was being committed. 
I also do not recognize charges that have been generated by overdraft, or under balance sheet because of fraud. 
Please I need help, are my saving, I'm a senior person. 
Thanks XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX, I retained XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  from XXXX NC XXXX ( XXXX XXXX XXXX ) to move me from two XXXX ' XXXX XXXX units, XXXX, NC to my new residence XXXX XXXX XXXX, XXXX, NC XXXX I paid in full on site with my Wells Fargo VISA card ( WFVisa ) # XXXX WFVisa posted charge of {$1600.00} on XX/XX/XXXX on my account XXXX. I paid total card charges for that period. 
Later, XX/XX/XXXX, I received my Wells Fargo VISA statement with four ( 4 ) consecutive postings from XXXX XXXX ( XXXX NC ) on XX/XX/XXXX. I immediately called WFVISA & cancelled card, started fraud investigation with WF Visa and receive new WFVisa card account number. I called the XXXX contact phone numbers and both sites were non-working numbers. I contacted the NC BXXXX XXXX XXXX  & they disclosed XXXX was not an approved mover for NC State & with more information would file a claim against XXXX with the NC XXXX XXXX. WFVisa Claim # XXXX for the 4 postings are XXXX ; XXXX ; XXXX and XXXX totaling {$13000.00} in charges. WFVisa staff have been less then supporting with investigating the claims. Each WFVisa review states : merchant XXXX provided documentation to support services for XX/XX/XXXX postings. XXXX XXXX XXXX, XXXX XXXX Sheriff 's Department has accepted my claim & started an investigation
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

I opened a bank account with SoFi recently. They froze my account over the weekend ( XX/XX/2022 and XX/XX/2022 ). I have called multiple times and left voice mails. They don't respond. I called again on Monday ( XX/XX/2022 ) during business hours and again couldn't reach anyone. I can't contact them through the live chat since the response automatically says to call the phone number. I need to access my bank account and they won't let me. This experience has been documented by others as well.
Consumer complaint received 2022-01-05
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. (MI)

We were hit with XXXX in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called XXXX XXXX multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with XXXX  XXXX as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (TX)

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OR)

I called Sequium Assets and spoke to them about resolving the {$59.00} balance owed to I believe XXXX XXXX which Sequium Assets claimed was {$140.00}. I told them I would call the cable company and pay them and after account has been paid I want this removed off of my credit report. They assured me they would remove it, 2 months later it's still on my report showing unpaid. When I call they assure me they will remove it but they don't. I'm trying to finance a vehicle and I need this off
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions