davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alco Collections, Inc. (OH)

I have attempted multiple time to get in touch with the company. In XX/XX/2019, XXXX XXXX, attorney for alco collections, claimed to furnish an itemized balance to me. I have not recieved it, nor the chain of custody of paperwork I have been requesting for over 2 years. I have made several attempt to have this company prove that this debt is my responsibility. I have made several attempts to dispute with Credit Reporting companies and Alco Collections remains by sending them that the debt is accurate. However, on my most recent report they have missing and incorrect data. I request that their alleged debt be removed from my report.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

BOA continues to send me emails, violating my right as a consumer by harassing me through email attempting to collect as a debt collector. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I am demanding that you cease all forms of communication with me through any and all mediums.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

I have an issue with chime bank specifically there credit builder card On Wednesday XX/XX/XXXX there were XXXX atm withdrawals in my card totaling XXXX dollars plus fees I was almost a hundred miles away with my team for work and when I noticed it I immediately froze my card and contacted the issuer. 

I submitted a police report and immediately forwarded all documents from police and my itinerary from my traveling. 

Dispute was opened and I contacted them several times checking status over the next 60 business days it was said to be till they could find resolution. 

On the final day left in the dispute I called them as was told that the files that I submitted were there but werent sent to the investigators. 

My claim is was initially denied for their lack of follow through. 

I had to reopen the claim with the documents sent to the investigators on the hope that they may reopen it. 
It was subsequently denied again with no reason.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (GA)

Ive reached out to each credit bureau XXXX, Experian and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX  had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX  to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Experian liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, XXXX and Experian. According to the Fair Credit Reporting Act I have to consent and so never did.
Consumer complaint received 2022-11-04
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. (NC)

I previously disputed the attached XXXX XXXX bankruptcy, docket # XXXX with Experian. See Exhibit ( A ). I specifically requested the METHOD OF VERIFICATION that was used in their investigation, as well as the documents they obtained to verify the bankruptcy, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ). See Exhibit ( B ).

Their response to my request was, ( THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE ). Experian not only failed to provide the METHOD OF VERIFICATION, after contacting the Bankruptcy Court, it is clear that the courts DO NOT report information to Experian or ANY other credit reporting agencies, for that matter. See Exhibit ( C ).

I need clarification as to whom or what third party ( if any ) CERTIFIED and provided such information to Experian. A copy of the certified letter or communication would suffice. 

It is a fact, that third party agencies such as XXXX, are sellers of consumer information. It is a fact that credit reporting agencies, like Experian, purchase consumer information from third party agencies. It is a fact that bankruptcies are filed with the courts and NOT the credit bureaus. See Exhibit ( D ). 

US Bankruptcy courts are NOT furnishers of information 's, which means that Experian 's results would be considered FALSE REPORTING, which is a direct violation of the Federal Fair Credit Reporting Act 611 ( 15 U.S.C. Section 1681 ), and this information must be DELETED immediately.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (FL)

I took out a Self Lender Loan in XXXX of 2019. During the course of this loan I built up principal and they allowed me to get a secured card utilizing the principal balance as security for the card. I always made on time payment so I could build and establish good credit. I decided to payout the loan XXXX months early. I paid them the full amount XXXX requested on XXXX. On XXXX they billed me XXXX and I paid. Several weeks later they paid me the balance of the money owed to me after satisfying the credit card they issued. This amount was XXXX. Then they hit me with a late fee XXXX associated with the credit card and reported me as late. I looked up my account and the credit card was removed from the dashboard so I assumed this would clear itself up. I then got another bill for XXXX  now two late fees. I have contacted them and they have apologized and said they could clear this then never followed up. I now have paid them an additional 30.00 and have two late payments on my credit report because of their mistake. Furthermore I have disputed the negative marks on my credit and they stand by their actions to negatively affect my credit for their mistake.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-07-31
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (GA)

Ive reached out to each credit bureau Equifax, XXXX and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX  was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX  back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX, Equifax, XXXX and XXXX liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
Consumer complaint received 2020-08-28
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. (MD)

I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Scheer, Green & Burke L.P.A. (TN)

Scheer Green and Burke sent a letter and my mom, being nosy, opened the letter. She called them and they discussed the situation with her and even took money from her. This debt was paid, in full, as of XX/XX/XXXX. I have provided this information to another collection agency in XX/XX/XXXX. They must have sold the debt, but XXXX XXXX was paid in full.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Signed in to Cash App to receive payment. When notified via email that payment was received Cash App requested upgrade of app type to business account and requested verification and transfer of funds out to which they said would immediately be credited back. As soon as the verification transaction was done another email was sent and verification was in process and would be credited back as soon as it was complete. Then another email came about a tax clearance and this is when we attempted to reach out to Cash App and they said they could not do anything since the transaction was already complete and didnt care about anything that had transpired. We tried to cancel transaction and it would not allow us to. Why would they have this functionality if it does not work! We immediately contacted our bank, the police and cash app again to file a claim which took numerous attempts for them to even verify information to research. Based on numerous posts we have read it seems to be a very consistent trend with Cash App to which they are doing little to nothing to fix. Fraud through Cash App seems to be running rampant and the consumer is getting beat.
Consumer complaint received 2020-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My payments for 12 years were paid by military allotment. XXXX we got a call Bank of America had not received our XXXX payment. We sent proof military allotment paid electronically as always. Investigation will take up to 30 days. Bank of America also had a system change and it effected a lot of payments. We stilled received late notices while we waited. XXXX come again military allotment payment sent but they cant find it. We send proof. 30 days not up yet. We received certified mail ( which I refused ) stating we are 2 payments behind now. I filed a complaint, that was crossing the line in this situation. Today I call I was informed the payments were sent back to military allotments and they will no longer accept MILITARY ALLOTMENT payments. That is so wrong in all areas. I felt like they do not want to deal with the military almost disrespectful. Paying by military allotment gives the military member a peace of mind his/her family is taken care of as they are XXXX and The family doesnt have to worry about making the payment. I called military allotments told them, they having none of that information. I received the payments tracking # s and called Bank of America. They said it will take 5 days. I asked about no Military Allotments no longer accepted she said that was correct. I had to do all the research to prove the payments which at this point I have to wait and see if they find with tracking # s and to deal with the feeling my husband and many military members give there lives ( some loosing their lives ) so we all can have this freedom some take for granted.
Consumer complaint received 2020-07-01
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. (TX)

XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Yesterday morning, XX/XX/2022, I tried to process two payments with my debit card from Citizen 's Bank, and they were denied. I called and the person told me that it was now unlocked ( Lie # 1 ). It was not as I tried it again later and it was still denied. I called again and spoke with someone different and they said it would be unlocked in 30 minutes. ( Lie # 2 ). I tried after 70 and it was still blocked. combined time between each of these calls both on hold and and talking to a representative for more than an hour.

I called back later that night and after 53 minutes on hold they said I could come into the branch with my ID or FAX my ID and two utilities bills. I explained that I was currently in XXXX and unable to either " stop by a branch '' and that I could fax copies of my passport and driver 's license but i would have no access to utility bills as I was in XXXX. The said they would call me back ( Lie # XXXX ). The did not. 

I called back again on Saturday, XX/XX/2022, and was told my debit card was locked because of a high risk of fraud. They reiterated the two options mentioned above and they seemed to not accept that either were viable. I have used my debit card for more than two years in XXXX as I split time between there and the US. The only real change in activity was that I was recently had been XXXX XXXX XXXX XXXX XXXX and a XXXX account was set up. The organizer 's sister then began to dispense the funds to me via XXXX. Otherwise there was no unusual activity. 

They said it was only my debit card that was blocked ( Lie # $ ) but apparently my whole account is locked as I had someone test transfer {$1.00} and that transfer was denied. I work part-time online and am paid via a XXXX transfer so I can no longer get paid. Additionally my state pension is direct deposited in this account and I am concerned that I will not be able to receive my state pension. 

In short, I am stuck in XXXX with no access to my funds as a result of this arbitrary and capricious decision to lock my account and any attempt to resolve it has been met by lies and incompetence.
Consumer complaint received 2022-12-03
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. (CA)

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 USC 1681. 
Account name : XXXX XXXX  # XXXX account name : 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 : 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. 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 has reasonable cause to believe that the information is inaccurate. This is fraud i have police report
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (CA)

On XX/XX/20, my title company, XXXX XXXX XXXX, paid off my loan with CMG Financial Services, XXXX, New Jersey, on property in XXXX, California. Since that time, I have been patiently waiting for CMG to process the escrow checks in the amount of {$7600.00} and {$52.00}. To this date, I have not received any correspondence from CMG. I contacted CMG Customer Service by phone on XX/XX/20, XX/XX/20, XX/XX/20 and was told that the check had been issued and I should have received it via the USPS. On XX/XX/20, I contacted CMG Customer Service, Loan Administration Dept to request an investigation. On XX/XX/20, I received an email from XXXX XXXX, Support Representative, Question Reference # XXXX stating that CMG had requested a stop payment on previously issued checks and re-issued a new escrow check. I was to receive the replacement checks within 10-14 business days. It has now been more than 3 months since I have tried to resolve this matter to no avail. Therefore, I would like to file a complaint to find out why I have not received my escrow checks.